2. Under normal circumstances, the annual credit card fee is calculated from the activation time of the user's card opening, not from the natural year. For example, when the user opens the card, the time is 65438+ 10/2020, then the year of 202 1 65438+1 0/is the year for calculating the annual credit card fee. In addition, most bank credit cards are now exempt from the annual fee in the first year, and the annual fee in the following year can be exempted after the credit card consumption reaches the standard. For example, the annual credit card fee of China Merchants Bank is calculated from your card issuance date (the validity period below the credit card number and the previous date is the card issuance date), which is not a natural year. The specific criteria are as follows:

1) The annual credit card fees of different banks will be different. The specific annual fee collection standard depends on the bank's regulations;

2) The annual fee of different grades of credit cards will be different;

3) the higher the general credit card level, the higher the annual fee, basically platinum card > gold card > ordinary card.

Time of annual fee deduction: the deduction of annual fee of credit card basically depends on the activation date of your card. When do you activate the card, then the annual fee will be charged on this day in 2008. For example, if you activate your card on June 6th, your card will be charged an annual fee on June 6th of the following year. Although most banks charge an annual fee in this way, there are exceptions, such as the credit card of CITIC Bank, which charges an annual fee 60 days after you open the card.

1. Bank card annual fee usually refers to debit card annual fee, but broadly includes credit card annual fee and online banking annual fee. Some debit cards charge an annual fee, and some banks waive the annual fee. Credit cards generally charge an annual fee, and the fee is high, ranging from several hundred.

2. Credit cards have an annual fee. According to different banks, the types and grades of cards are different, and the annual fee of credit cards is also different. However, the annual fee policies of most banks are basically the same. Generally, the annual fee for standard credit cards is around 100 yuan, while the annual fee for gold cards is generally in 200 yuan or 300 yuan. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.